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My Journey Out of Debt
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Involving Friends and Family in Helping Me Reach my Goal
Financial stress can be debilitating, and it can also be a lonely road to walk. It can be difficult, embarrassing, and emotionally painful to let others know we are struggling with debt . The important thing to remember is that it is during the hardest times that we all need support. Not only the support...
Tue, Oct 23 2012
Building Solid Financial Habits – Budgeting 101
Let's take a deeper look at the nuances of budgeting. Contrary to popular belief, there is more art than science to budgeting. The first order of business is to gain an understanding of what items contribute to a sound budget and what items need to be excluded. The primary items that must be included...
Thu, Aug 2 2012
Finding Support through the Tough Times Ahead
If you just started a Debt Management Plan (DMP), you may have some doubts about it. I think that might be a normal feeling, as there are a lot of companies that offer these services. However, it may put you at ease to know that since I started my plan in 2008, CareOne has done what they said they would...
Wed, May 23 2012
Little Steps to Help You Out of Debt
Getting out of debt is a process that takes little steps. The reason you're here is the first step, which is recognizing that your finances are getting out of control and that you need to do something about it. Joining a debt management plan like the one CareOne offers can be one of those steps. Now...
Mon, Apr 30 2012
Being on a DMP and having a family
While being on a Debt Management Plan (DMP) can be very stressful, it is always good to know that you have the support of your family. Shortly after starting the DMP through CareOne , we found out that we were going to have a baby. It wasn't easy, but through a lot of planning we were able to save some...
Sun, Mar 18 2012
Need Some Motivation? Let Me Try.
This is my 142 nd blog. I started blogging for CareOne not long after I enrolled in their Debt Management Plan (DMP). The idea was to be able to share what I was going through, what was working for me, what wasn't, and most importantly, just help people going through the same thing. I never imagined...
Fri, Mar 2 2012
5 Phone Calls to Make Today
It probably goes without saying that the fastest way to attack your debt is to make more payments. Of course, if your income remains the same, then there just simply may not be the opportunity to stash away any extra cash for a few extra payments. However, making a few phone calls to your current service...
Thu, Feb 23 2012
What Self-Discipline Can do For You!
My alarm goes off at 4:30am every weekday morning. I get dressed, brush my teeth and head out the door to get to the gym by 5:00. I work out hard, and then hustle home to make sure my kids get up and get ready for school. I've been called nuts, crazy, and obsessive for my early morning fitness routine...
Wed, Feb 22 2012
Finding the Discipline to Maintain Your Plan
Since I began my Debt Management Plan (DMP), I have been able to continue to make my payments, but there have been ups and downs. I lost my job ; but my husband is trying to help me as much as he can, and I have been actively seeking new employment and interviewing. So far I have been able to find some...
Fri, Feb 17 2012
Knowing When to Get Help
As the old adage goes, "Hindsight is 20/20." I, like most who have found themselves drowning in debt, should have seen the red flags and should have known better. Financing a post-graduate education in student loans and credit cards isn't unfamiliar to many young Americans. However, I frequently borrowed...
Thu, Feb 16 2012
Staying on Track with Your Debt Relief Plan
Making the decision to join a Debt Management Program (DMP) may be one of the most responsible decisions you make to preserve a better future, or even a better life. Once you've enrolled, however, staying on track and focused can be more difficult that you expected. If you can be disciplined and stay...
Thu, Feb 9 2012
Higher Education, Higher Debt
Falling into credit card debt seemed much more like an overnight happening, rather than a slow accumulation process. I graduated from college with some credit card debt, but I assumed, (like most college students do), that I would get this wonderful job with a massive paycheck, and I wouldn't have to...
Thu, Feb 2 2012
Twelve Months of Budgets..Fa la la la
On the 1 st day of Christmas my true love gave to me . . . a Debt Management Plan (DMP) On the 2 nd day of Christmas my true love gave to me . . . 2 Car Loans and a DMP On the 3 rd day of Christmas my true love gave to me . . . 3 Kids' Tuitions, 2 Car Loans, and a DMP On the 4 th day of Christmas my...
Fri, Dec 23 2011
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